Calculate your Belgian capital gains tax
Upload your transactions and we'll work out what you owe. The tool is free and you receive the final report by email.
This tool provides an estimate and is not official tax advice. Always consult a tax professional for official guidance. Curvo is not liable for decisions made based on this tool.
Why calculate your capital gains tax?
Your tax obligations depend on your broker and on whether you chose to declare the tax yourself.
The tool tells you
- How much tax you owe so far this year
- How much you can claim back on your tax return
Your broker withholds 10% of every gain when you sell. It can't see your €10,000 exemption or your losses elsewhere, so it often takes more than you owe.
The tool tells you
- How much tax you owe so far this year
- The amount to declare on your tax return
Nothing is withheld, so you declare the gain yourself. That means applying the photo moment and offsetting your losses by hand.
The tool tells you
- How much tax you owe so far this year
- The amount to declare on your tax return
Foreign brokers withhold nothing. The calculation and the declaration are yours, under the same rules.
The tool reads DEGIRO, Bolero and Saxo Bank exports today. For any other broker, go through the steps above and we'll email you as soon as we support it.
Free, no account, your real transactions
Free
No paid tier and no upsell. The report is the report.
No account
Upload your export and the report lands in your inbox. Nothing to sign up for.
Your real transactions
It reads your broker's own export and applies the rules to every sale in it.
Made by Curvo
Curvo helps more than 7,800 people with passive investing.
They already calculated their capital gains tax
Really nice tool. It comes very close to my own Excel calculation. And a very clear overview, by the way.
Very easy to use. Thank you for making this available.
How the Belgian capital gains tax works
- The 10% tax and the €10,000 exemption
- The photo moment: what counts as your purchase price
- How brokers and platforms collect it
- The exit tax if you leave Belgium
- Strategy for Belgian investors
Passive investing, right down to your tax return
Curvo invests for you every month and tells you every year what to declare.
- Nothing is withheld on your sales. We tell you which amount goes in which box of your tax return and give you a report for the tax authorities.
- Your tax questions go to the team that wrote our guides on the Belgian transaction tax, the Reynders tax and capital gains tax.
- The funds are exempt from the Belgian transaction tax, which saves you 0.12% to 1.32% on every buy and sell.
- Withdraw your money at any time, free of charge.
Questions you may have
How much is the capital gains tax in Belgium?
10% on your net capital gains above €10,000 in a calendar year. Net means your gains minus the losses you made in that same year. The exemption is per person, so a married or cohabiting couple has €20,000 between them. Every year you leave your basic exemption untouched, you earn an extra €1,000 slice for later years, usable from 2027. Use part of it and the slice shrinks by that amount.
How is the capital gain calculated?
Sale price minus your cost basis. For anything bought before 2026 and sold before 2031, the cost basis is the higher of its 31 December 2025 value and your average purchase price. That can bring the gain down to zero, but never create a loss. You cannot deduct broker fees or the transaction tax. You can deduct losses you made in the same calendar year.
Does my broker withhold it?
Belgian brokers withhold 10% of the gain on each sale by default and pass it to the tax office, and every one of them has to let you opt out. Foreign brokers withhold nothing, so you declare the gain yourself.
How can I avoid the capital gains tax?
You can't avoid it, but many investors will barely be affected. The €10,000 exemption is per person per calendar year and applies to your net gains, so your losses count against your gains first. Leave the basic exemption untouched in a year and you earn an extra €1,000 slice for later, up to five of them.
What about the capital gains tax on a house?
Property falls outside this tax. This page and this tool cover financial assets only.